Received 2 separate 1095-A forms from same insurance company - how to properly file these?

This is actually pretty common when you switch marketplace plans mid-year. Yes, you can absolutely file with multiple 1095-A forms on FreeTaxUSA or any tax software. When you get to the healthcare section in FreeTaxUSA, you'll need to enter each 1095-A separately. The system will ask if you have another 1095-A to enter after you complete the first one. Just make sure you enter all the information exactly as it appears on both forms, including the monthly premium amounts, second lowest cost silver plan premium (SLCSP), and advance premium tax credit (APTC) amounts. The software will combine the information from both forms to correctly calculate your Premium Tax Credit for the year. The important thing is that you don't skip either form, as that could result in an incorrect tax credit calculation.

After spending HOURS trying to figure out how to handle multiple 1095-As last year, I discovered taxr.ai (https://taxr.ai) and it literally saved me so much time and stress. I uploaded both my 1095-A forms and it analyzed them instantly, telling me exactly how to enter them correctly in my tax software. What I really liked was that it explained which numbers go where and caught a mistake I was about to make with my second form's SLCSP amount. The tool also showed me how the Premium Tax Credit would be calculated across both forms so I knew what to expect on my return.

I was really skeptical about using taxr.ai when I saw it mentioned here but gave it a try with my complicated situation (3 different 1095-A forms from switching states mid-year). I'm honestly impressed - it broke down exactly how to handle my forms in FreeTaxUSA step by step. The analysis showed me that I needed to pay special attention to the January-March amounts where the SLCSP values changed after the fact. The tool highlighted this discrepancy and told me which corrected values to use. I would have completely missed this and potentially triggered an IRS review. It saved me from making a mistake that probably would have delayed my refund. For anyone juggling multiple 1095-A forms, it's incredibly helpful.

If you're still struggling after filing or have questions about your 1095-A forms, trying to reach the IRS can be a nightmare. I spent 3 weeks trying to get through to someone who could help with my premium tax credit questions last year. Finally tried Claimyr (https://claimyr.com) and was shocked when they got me through to an actual IRS agent in about 20 minutes. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c The agent was able to confirm that my two 1095-A forms were properly recorded in their system and that my Premium Tax Credit calculation was correct. Saved me weeks of stress wondering if I'd done it right.

I need to publicly eat my words about Claimyr. After posting my skeptical comment, I was still struggling to get answers about my own multiple 1095-A situation and decided to try it anyway. Got connected to an IRS representative in about 35 minutes (not quite 20, but WAY better than my previous attempts). The agent confirmed that having multiple 1095-As is completely normal and walked me through exactly how the forms would be reconciled on my return. They also explained that if the software calculates my premium tax credit differently than I expected, it's likely because the calculation spans across both forms using the monthly information. Definitely worth it for the peace of mind before I file.

Just a heads up - make sure all the monthly premium amounts actually match what you paid! My insurance company sent me incorrect 1095-A forms last year (the January SLCSP amount was wrong), and it caused my return to be held up for review. If you notice any discrepancies between what you actually paid and what's on the forms, contact your marketplace ASAP to get corrected forms before filing. It's a huge pain to deal with after the fact.

Has anyone else had issues with the "second lowest cost silver plan" (SLCSP) column on their 1095-A when switching plans? Mine shows different amounts on each form for overlapping months and I'm confused about which number to use.

Great question! I had this exact same situation last year with two 1095-A forms from the same insurer. The good news is that FreeTaxUSA handles this really well - when you're in the health insurance section, it will ask after you complete the first 1095-A if you have additional forms to enter. One important tip: when you're entering the second form, make sure you're careful about the coverage months. Since your first form only covers January and the second covers Feb-April, FreeTaxUSA will automatically combine them to show your total coverage period without any gaps or overlaps. Also, double-check that the policy numbers on both forms are different - this confirms they're truly separate plans rather than a correction. If they have the same policy number, you might want to contact BluePath Health to clarify before filing. The IRS Publication 974 has detailed instructions about multiple 1095-A forms if you want to review the official guidance, but most tax software handles this automatically once you enter both forms correctly.

I just went through this exact situation last month! Had two 1095-A forms from the same insurer (Anthem) after switching from their Bronze plan to Gold mid-year. One thing that really helped me was creating a simple spreadsheet before entering anything into FreeTaxUSA. I listed out each month, which form it came from, the premium amounts, SLCSP values, and APTC amounts. This made it much easier to spot any inconsistencies and ensured I didn't miss anything when entering the data. Also, keep both original forms in your tax records even after filing. I know someone who got an IRS notice months later asking for clarification about their premium tax credit calculation, and having the original 1095-A forms made resolving it much quicker. The whole process was actually smoother than I expected once I got organized. FreeTaxUSA walked me through each form step by step, and the final calculation matched what I expected based on my monthly premium payments.